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Fingerhut Advantage Credit Account is an unsecured shopping account which can only be used at You can buy almost everything there that you need and build credit at the same time. Your activity on the account will be reported to the major credit bureaus, so if you make payments on time and stay within the credit limit you will be able improve your credit scores. You can consider secured credit cards as well. They are widely accepted and are the same as unsecured credit cards except one thing - they require a security deposit. The deposit is usually about $200, but you can pay more if you want a higher credit line. Secured credit cards are reported to the credit bureaus as well.